Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$10,623The complete starting cash picture.
Estimated remaining funds due at closing
$10,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$12,583.06
Your down payment$0.00
Closing costs + prepaids$10,622.99
Total buyer cash needed$10,622.99
Remaining funds due$10,622.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.00
Initial HOA (3 months)$54.00
Prepaid interest, first (21 days)$1,148.99
Fees + prepaids$10,622.99
Your down payment is the seller’s equity. You take over the $302,583 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $10,622.99 is due at closing. Not a Closing Disclosure.